Metairie Terrace Tow Truck Insurance

Metairie Terrace Tow Truck Insurance – Call Today!

Metairie Terrace Tow Truck InsuranceIf you’re searching for the best rates on Tow Truck Insurance in Metairie Terrace Louisiana and the surrounding areas then you’ve found the right place.

We are Jeff Davis Insurance, a leading insurance agency in Louisiana. As an independent agency we have the tools necessary to help our customers find appropriate and affordable coverage on Tow Truck Insurance in Louisiana.

Give us a call today at 337-824-4455 to speak with one of our licensed insurance agents.

Metairie Terrace Tow Truck Insurance – Exclusions of Coverage. 

This week we will continue the theme of exclusions of coverage. Just in case you’ve forgotten what exclusions of coverage are, we define them as specific situations pointed out in the language of an insurance policy for which coverage would not be allowed or paid for by the insurance company.

The most important advice we give at Jeff Davis Insurance is to carefully read your policy from cover to cover

You really need to know what is and, more importantly, is not covered on your Louisiana Tow Truck Insurance policy so that you won’t be blindsided by a claim denial down the road.

Bearing that in mind, let’s conclude our claims scenario to illustrate the importance of knowing your policy’s exclusions of coverage.

Tow Truck Insurance Metairie Terrace – Coverage Scenario. 

When we left off, the lawyer representing Marty’s Repair and Tow contacted Biff to persuade him to drop the case, or else they will petition the judge for a declaratory judgment.

When Biff does not back down, the lawyer suggests that he may be eligible for workers compensation under Marty’s Repair and Tow’s policy.

Biff continues to hold out for a bigger payout, however, so the lawyer tells Biff he’ll email him a copy of Marty’s Tow Policy and highlight what it says in regards to Biff’s situation.

The next morning Biff opens an email in his inbox from the lawyer. Attached is a copy of Marty’s policy with a particular section highlighted:

Employee Indemnification and Employer’s Liability Bodily injury to:

a . An employee of any insured arising out of or within the course of: (i) That employee’s employment by any insured; or (ii) Performing duties related to the conduct of any insured’s business; or

b . The spouse, child, parent, brother or sister of that employee as a consequence of Paragraph a. above.

Put more succinctly, coverage is excluded for bodily injury to the spouse of the employee as a consequence of the employee’s employment.

Because Biff’s wife was injured as a direct result of Biff’s duties while on the job, she would not be covered.

So while Biff might be eligible for workers compensation under his employer’s policy, his wife certainly is not.

Out of anger, Biff doubles down. He rants belligerently about how he’ll have his day in court. Just as the lawyer promised, within weeks the judge issues a declaratory judgment that effectively quashes Biff’s lawsuit and labels it groundless. Biff is hit with a countersuit for attorney’s fees and costs and gets a bill for $16,872.

Naturally, Biff is fired from his towing job and it looks like he will be headed to bankruptcy court.

Metairie Terrace Tow Truck Insurance – Call Us Today!  

If Biff had understood the language of his employer’s policy as it relates to him as an employee he might have thought twice about filing a lawsuit.

Commercial truck insurance is complicated and it’s important to buy your coverage from Jeff Davis Insurance.

Our number is 337-824-4455, and we’re available Monday through Friday 8:30 AM to 4:30 PM (CST).

We can shop the market for you to find the best coverage options on Tow Truck Insurance in Metairie Terrace Louisiana.  

We also offer Louisiana Tow Truck Insurance in the following areas: 

  • Tow Truck Insurance Zachary Louisiana
  • Tow Truck Insurance Monticello Louisiana
  • Brownfields Louisiana Tow Truck Insurance
  • Baker Louisiana Tow Truck Insurance

Tow Truck Insurance Shreveport Louisiana

Tow Truck Insurance Shreveport Louisiana. 

Tow Truck Insurance Shreveport LouisianaIf you’re looking for Tow Truck Insurance in Shreveport Louisiana and the nearby areas then look no further than Jeff Davis Insurance. 

As a leading independent agency in Louisiana, Jeff Davis Insurance has the experience and knowledge to help business owners like you find the coverage and rates they need on Tow Truck Insurance in Louisiana. 

Call us today at 337-824-4455 to speak with one of our licensed professionals. We are here to answer any and all questions related to your insurance needs. 

Tow Truck Insurance Shreveport Louisiana – Exclusions of Coverage. 

In this week’s article we’re continuing the exclusions of coverage theme. To recap, exclusions of coverage are specific situations pointed out in the language of an insurance policy for which coverage would not be granted by the insurance company. 

As we’ve said before, the best advice we can give at Jeff Davis Insurance when it comes to exclusions of coverage is to read your policy very carefullyIt is the most reliable way to fully understand what is and is not covered on your Louisiana Tow Truck Insurance policy. 

The following is a claims scenario to illustrate the importance of knowing your policy’s exclusions of coverage. Let’s see how it concludes:

Shreveport Louisiana Tow Truck Insurance – Coverage Scenario. 

You may recall that Biff McSlickerson drives a tow truck for a towing company, and he’s known around town for having won a hefty sum of money from a lawsuit a few years back.

When last we left Biff, he and his wife had just been injured while Biff was on the job. He was too busy arguing with his wife, whom he was giving a ride to the casino, to notice that he had improperly attached the hook of his tow truck to a customer’s car. The car came loose and rolled on top of the couple.

With his arm broken and his wife in the emergency room, Biff sees another opportunity to make some easy money.

Biff thinks he can file a lawsuit against his employer, Marty and obtain a large 6 figure settlement. Biff realizes he’ll quickly get fired by Marty but believes the big settlement will be worth it, plus he will be able to collect unemployment after getting the axe.

Biff writes up the lawsuit using big legal terms such as loss of consortium and untold pain and suffering to make his case.  Biff knows that his boss has $5 million of coverage and plenty of money in the bank and expects a quick and large settlement from Marty’s insurance company.

Biff prepares his lawsuit papers, and files them at the court house after paying his fee.

Is Biff getting ready to make his second big pay day?

We will learn the answer in next week’s post to see what happens.

Tow Truck Insurance Shreveport Louisiana – Call Us Today!  

It’s super important to understand how your coverage works when you purchase Tow Truck Insurance in Shreveport Louisiana and the nearby areas.

If you have questions about insurance exclusions call the agents at Jeff Davis Insurance today for answers about Tow Truck Insurance. 

Call 337-824-4455 Monday through Friday 8:30 AM to 4:30 PM (CST). We will shop the market for you to find the best coverage options on Tow Truck Insurance in Shreveport Louisiana.  

We also offer Louisiana Tow Truck Insurance in the following areas:

  • Zachary Louisiana Tow Truck Insurance
  • Monticello Tow Truck Insurance
  • Brownfields Louisiana Tow Truck Insurance
  • Tow Truck Insurance Baker Louisiana